What we are going to try starting tomorrow

We are going to start sending the creditors payments on a pro rata plan as Dave Ramsey describes in his book and in this video:

We’ve calculated the total debt and the percentage each creditor should receive and I’ll type up the plan and make copies tomorrow and mail out our payments. I’ll let everyone know how this works out.

Once I get some of the monies that I am expecting we are then going to contact the creditor to discuss settlement amounts. We are hoping that all our creditors will be open to discussing and settling with us.

Does anyone have any experience with settling with your creditors and if so, what approach did you use?